Efficiency Ratio Over Time
Efficiency Ratio First National Bank Of Gaylord All Insured Commercial Banks in Michigan
06-30-2004 93.583 65.538
03-31-2004 101.333 66.274
12-31-2003 88.636 63.66
09-30-2003 78.451 62.955
06-30-2003 78.158 63.034
03-31-2003 63.981 63.233
12-31-2002 61.088 62.526